Overall, a solid report. I like the addition of the dividend and the additional buyback. Seems to be a very good use of cash. Processing numbers seemed consistent, while payroll growth was to the high side, and a bit unexpected. Rev projections look light, but I think HPY just playing the economy conservative, and it should not be a concern. Earnings numbers still in line. I need to dig thru the free cash flow numbers, but buyback and dividend seem to provide the surface appearance that they are stronger than expected.